I have just recieved a letter from Hammond Suddards Edge saying that they are acting as agents for Bradford and Bingley. The letter says: "Some details are required to be completed in respect of the property. Please contact this office within 7 days to discuss the matter." I gave up possesion of my house 10 years ago despite having several "mature" conversations about options to avoid the situation, after falling into arrears. They ignored my suggestions and I decided to leave the house, returning the keys and went to University as a mature student. I now have a new life, mortgage as well, and have had this contact letter out of the blue. Should I respond, seek legal advice, ignore it? Any suggestions or help would be gratefully recieved. Is my new home at risk?

-- michael atkins (mike.atkins@edwards.boc.com), July 24, 2001

Answers

Your first question to them should be something along the lines of:

"Please explain why your clients, Bradford and Bingley, who are members of the Council of Mortgage Lenders, do not appear to be adhering to the agreement made that came into force on 11/2/2000."

This agreement was that if contact had not been made prior to this date then there would be a 6 year limit on recovery proceedings - they are well outside this time from what you have said.

If you need more help let us know.

-- vpc (vpc@ntlworld.com), July 25, 2001.